Holistic Advice Forum

1. Holistic Advice Forum

2. Alistair Copley SBG Host

3. Agenda • Sesame Bankhall update • AXA – Retirement on the horizon – when should you start to plan? • AEGON – The ever changing retirement environment • Coffee Break • MetLife – Retirement in two halves • Partnership – Business opportunities in the “Later Life” market • Close and Lunch • C.I.O.B.S. – case study – tax and investment advice to the “elderly”

4. Using the handsets Q1 A _ 8:35 Prev Goto Next Previous Next

5. Using the handsets Q1 A _ 8:35 Prev Goto Next 1: Go to 2: Insert number 3: OK

6. Handset Question #1 • Would you like to receive any more information on ONE the Platform? • Yes • No

7. Handset Question #2 • Do you want to find out more about The Financial Adviser School? • Yes • No

8. Your feedback is important • Please let us have your feedback forms as you leave • Please take your Call to action brochure & CPD forms

9. Further Assistance • Provider sessions have been filmed and are on the Website for you to follow-up the sessions • Sesame Learning has support material for examinations

10. Holistic Advice Forum Nick Kelly

11. Agenda • FSA Platform Paper • RDR Up Date • What’s new at Sesame Bankhall? • Conferences

12. The Changing World in which we live • Riots – unwelcome reminder of unrest/concerns • FTSE falling nearly 20% in one month • Bank of England cuts 2011 growth forecast for UK - blaming deteriorating global economy • Ever expanding euro debt crisis - Italy & Spain join growing list of troubled economies • Markets are in a dizzy spin of high and lows • Market confidence in the west is once again drying up…

13. FSA Platform Paper ( PS11/9) “procrastination isn’t the problem, it’s the solution”

14. FSA Platform Paper ( PS11/9) • Payments by product providers to platforms will be banned - not sure when! • Execution Only Platforms to disclose fees or commissions from third parties • FSA approves of adviser charging being facilitated by Platform • Advisers should not only consider one platform over another, but also look off platform

15. FSA Platform Paper ( PS11/9) • Use of a Single Platform • “concerned if firms took CP10/29 as a green light to make extensive use of a single platform, without thinking through the implications of this approach”

16. FSA Platform Paper ( PS11/9) • Use of a Single Platform • Platform not the right solution for all clients • Best interests of clients and not just the adviser • IFAs independence challenged if they use platforms that only feature products which pay a rebate • Understand the benefits of a Platform • “In theory, a firm could use a single platform for the majority of its clients” “In practice, and in the current platform market, which is changing on a frequent basis, we feel that and adviser with a wide range of clients should not take the view that a single platform will be the right solution for the majority of its clients” FSA PS11/9

17. FSA Platform Paper ( PS11/9) • In summary: • Bundled pricing will go and cash rebates will be banned • Ensuring the suitability of Platforms is essential • Use a single platform with caution

18. Platforms - Sesame Bankhall Group Support • The vision of Sesame Bankhall ONE has always been much wider than the delivery of our own platform solution… • Its is about delivering the processes and tools to create a more efficient environment for advisers • Not just deliver on requirements of the RDR - but to enable advisers to become more profitable in their engagement with clients

19. The Next Phase • Attitude to Risk Tool & Portfolio Analysis – roll out begins in Q4 2011 • Design supported by our Compliance Teams • Investment Solutions meet Client Risk Appetite • Accommodates multiple asset classes to create a diversified portfolio

20. The Next Phase • Practice Management Solution • Practice Management solution, integrated with the ATR tool and subsequently Sesame/ Bankhall ONESBG Investment Solution • Our own unique investment solutions - available on all Permitted Platforms and ONE solution • More widely available during 2012 • Mapped to the output of the ATR tool • Designed to meet with the majority of client segments

22. RDR UPDATE

23. RDR Round Up

24. What’s new at Sesame Bankhall? • Sesame Bankhall Legal Services • Phase 1 - Conveyancing referral • Phase 2 - Trusts, Wills and Probate Support Launched in the Autumn • Phase 3 – Corporate and Commercial Support

25. What’s new at Sesame Bankhall? • SBG Job Site - advertise your roles online at no charge • New My Learning System – new Competent Adviser System • New PI Offering for DA Customers – Exclusive arrangement with wide cover and competitive pricing For further details speak to the Regional Development Manager

26. Sesame Symposium/ Bankhall Conference • Why should you attend? • Come and hear about SBG’s plans and future developments for ATR, Investment Solutions, Practice Management and Restricted Advice • An array of industry speakers talking at possibly the last major conference pre- RDR • Network with providers and other advisers • Relax and enjoy the social event

27. Sesame Symposium/ Bankhall Conference • Presenters include: • Ivan Martin & George Higginson • James Bellini – Historian of the Future • Casper Berry – Catalyst for New Thinking • Michael Johnson - Olympic Gold Medallist • John Inverdale – TV Presenter and Host for the Event

28. Sesame Symposium/ Bankhall Conference • Park View Hotel - Westminster London • 14th November (Sesame) & 16th November (Bankhall) • Partners welcome

29. Handset Question #3 Please rate the quality of this presentation on a scale of 1 to 9 1 = Poor 9 = Excellent

30. Handset Question #4 Please rate the value of this presentation to your business on a scale of 1 to 9 1 = Poor 9 = Excellent

31. Thank you